THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and as protection for members when a credit union is experiencing financial trouble. Therefore, when it comes to measuring an an institution's financial stability, capital is crucial. When it comes to safety and soundness, more capital is better.
On our test to measure the adequacy of a credit union's capital, FLORIDA received a score of 12 out of a possible 30 points, lower than the national average of 15.65.
FLORIDA's capitalization ratio of 12.00 percent in our test was below the average for all credit unions, a sign that it could be less resilient in a crisis than its peers.